Health Insurance Resources for Kids in Florida
Health care for kids 300×251 Health Insurance Resources for Kids in FloridaWhen you’re a kid, just about anything can happen and it wouldn’t be surprising to most parents. Children are naturally curious, adventurous, active, and even mischievous. This is why most children will suffer many scrapes and bruises while they’re growing up, but unfortunately they may also suffer from more serious injuries and illnesses. For example, even the seemingly small things such as an ear infection could lead to something devastating such as loss of hearing.
Children are always mingling with their peers when attending school and this makes them susceptible to contagious illnesses. It’s just natural that a parent would want to make sure their children have adequate health insurance to guarantee they receive the proper medical attention when needed, including preventative care. When children are healthy they are rarely absent from school, which means their parents don’t have to stay home from work to take care of them.
Even if you’re children are fine healthy specimens, they still need to receive regular shots, check-ups, and dental care to stay that way. Health insurance for kids will enable you to make sure they’re receiving the proper treatment at all times and of course, much of the costs will be covered. It’s no secret that there are millions of uninsured children in America, but there are health care insurance options for them.
copay plan 300×199 Health Insurance Resources for Kids in FloridaMany parents can place their children on their employer-sponsored health plans and private coverage is also available. There are also numerous public health programs across the nation and typically in each state for children whose families can’t afford coverage.
In addition, you’ll find that child-only insurance plans are available in some areas. With children’s insurance, health insurance providers aren’t allowed to deny them coverage because of pre-existing medical conditions. But because of this law, some insurance providers have stopped selling health insurance for kids.
Some states are combating this by providing open enrollment periods for children aged 18 and under which enables them to receive health care coverage. The best way to find out if your state offers this is to contact its department of insurance. These child-only policies aren’t for parents or guardians, as the name suggests, the child is the only person receiving coverage on the policy. When a child is placed on his or her parent’s health plan, they’re eligible to stay on it until the age of 26 providing they don’t have the option of coverage from their employer.
The rules regarding child-only insurance generally vary from state to state. For example, in some states, you may be able to buy it directly from an insurance company while you may be able to purchase it from a licensed insurance agent in other states. It could be possible to purchase one of these insurance policies outside of the open enrolment period if a life-changing event takes place such as the birth of a child, adoption, the loss of employer-based coverage, or the death of one of the parents, etc.